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SAFE & SOUND® STAR RATINGS

BAILEYVILLE STATE BANK

611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$44,869$42,854$41,406
Loans Receivable, Net23,09124,45323,537
Mortgage-Backed Securities3,9013,6505,435
Investments8,3259,24510,600
Deposits39,61637,58834,393
Borrowings1,0361,1903,152
Equity3,9833,8683,691
Net Interest Income3321,2911,239
Fee Income104556
Overhead2641,0101,102
Net Operating Income80230291
Net Income69191231
Ratio Analysis Profitability%%%
Return on Assets *0.510.460.57
Operating Return on Assets *0.620.560.72
Return on Equity *5.585.046.52
Net Interest Margin *3.223.223.17
Fee Income / Assets *0.100.110.14
Overhead / Assets *2.412.452.73
Efficiency Ratio76.7474.4880.79
Asset Quality%%%
Nonperforming Assets / Assets0.320.320.20
Nonperforming Assets / Equity & Loss Reserves3.363.312.11
Loss Reserves / Nonperforming Loans265.71279.80627.50
1-4 Fam Mtg + MBS / Assets19.5821.4227.85
Commercial Real Estate Loans / Assets4.623.442.15
Construction Loans / Assets1.621.681.29
Commercial & Industrial Loans / Assets7.478.288.89
Consumer Loans / Assets2.092.232.20
Capitalization%%%
Equity / Assets8.889.038.91
Tangible Capital / Tangible Assets8.889.038.91
Risk-based Capital Ratio16.0716.0216.11
Liquidity%%%
Loans / Deposits58.2965.0668.44
Non-Interest Bearing Deposits / Deposits23.5321.6612.10
Purchased Liabilities3.383.908.51

* Calculations are based on the latest four quarters of income and expense.
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